> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fincle.com.br/llms.txt
> Use this file to discover all available pages before exploring further.

# Regulatory references

> Laws, regulations and technical standards relating to the documented operations.

This page lists the rules and technical standards relevant to the operations described in this documentation. The list is informative and does not replace consultation of the text in force of each rule or the integrator's own legal assessment of the obligations applicable to it. The rules are Brazilian and are cited by their official designation.

## Payment system

| Rule | Subject |
| - | - |
| Law No. 12,865 of 9 October 2013 | Governs the payment schemes and payment institutions that form part of the Brazilian Payment System. |
| Complementary Law No. 105 of 10 January 2001 | Governs the secrecy of the operations of financial institutions. |

## Pix

| Rule | Subject |
| - | - |
| BCB Resolution No. 1 of 12 August 2020 | Establishes the Pix payment scheme and approves its Regulation. |
| BCB Resolution No. 103 of 8 June 2021 | Amends the Pix Regulation to establish the Special Return Mechanism (MED). |
| Manual de Padrões para Iniciação do Pix | Specifies the BR Code and the technical standards for payment initiation. Published by the Central Bank of Brazil. |

## Consumer relations

| Rule | Subject |
| - | - |
| Law No. 8,078 of 11 September 1990 | Consumer Protection Code. Article 49 governs the right of withdrawal for contracts concluded away from business premises. |
| Decree No. 7,962 of 15 March 2013 | Regulates the Consumer Protection Code with regard to contracting in electronic commerce. |

## Data protection and prevention of illicit acts

| Rule | Subject |
| - | - |
| Law No. 13,709 of 14 August 2018 | General Data Protection Law (LGPD). |
| Law No. 9,613 of 3 March 1998 | Governs the crimes of laundering or concealment of assets, rights and values, and the prevention of the use of the financial system for such acts. |

## Card industry standards

| Standard | Subject |
| - | - |
| PCI DSS | Payment Card Industry Data Security Standard, maintained by the PCI Security Standards Council. |
| Card brand rules | Regulations of the card payment schemes, which govern the authorization, settlement and dispute of transactions. |

## Technical standards

| Standard | Subject |
| - | - |
| RFC 9110 | HTTP semantics. |
| RFC 8259 | The JSON data interchange format. |
| RFC 7617 | The Basic HTTP authentication scheme. |
| RFC 6750 | Bearer token usage. |
| RFC 7519 | JSON Web Token. |
| ISO 8601 | Representation of dates and times. |
| ISO 4217 | Currency codes. |
| EMV QRCPS | QR Code specification for payment systems, the basis of the BR Code. |


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